State Bank of Saunemin in Saunemin, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Saunemin - Overview

  • General
  • FDIC Certificate #: 12391
    Status: Active
    Federal Reserve ID: 575647
    Date Established: June 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7879
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 15, 2010
    Last Data Update: June 15, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 59 North St, Saunemin, IL 61769
    County: Livingston
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Pontiac, IL (#38700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $30.8 mil
    Equity capital: $2.9 mil
    Deposits held in domestic offices: $27.8 mil
    Return on assets (ROA): 1.19% ($0.4 mil)
    Quarterly return on assets: 0.74% ($0.2 mil)
    Return on Equity (ROE): 12.91% ($0.4 mil)
    Quarterly return on equity: 7.81% ($0.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.20% ($369.2 mil)
    Quarterly Pretax return on assets: 0.75% ($230.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $30,769Total assets
  • $3,767Cash and due from depository institutions
  • $1,470Interest-bearing balances
  • $12,933Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,356Net loans & leases
  • $197Loan loss allowance
  • $0Trading account assets
  • $148Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $30,769Life insurance assets
  • $565All other assets
  • $27,842Total liabilities and capital
  • $27,806Total liabilities
  • $23,650Total deposits
  • $27,806Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $36Subordinated debt
  • $2,927All other liabilities
  • $2,927Total equity capital
  • $2,927Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $350Surplus
  • $2,427Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $159Income earned, not collected on loans
  • $0Earning assets
  • $249Long-term assets (5+ years)
  • $27,759Average Assets, year-to-date
  • $8,184Average Assets, quarterly
  • $30,203Volatile liabilities
  • $30,764Insider loans
  • $16,142FHLB advances
  • $31,258Loans and leases held for sale
  • $163Unused loan commitments
  • $163Tier 1 (core) risk-based capital
  • $2,752Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,034Restructured Loans and leases
  • $612Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,161Total interest income
  • $253Total interest expense
  • $908Net interest income
  • $24Provision for loan and lease losses
  • $76Total noninterest income
  • $0Fiduciary activities
  • $57Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $661Total noninterest expense
  • $388Salaries and employee benefits
  • $120Premises and equipment expense
  • $153Additional noninterest expense
  • $299Pre-tax net operating income
  • $62Securities gains (losses)
  • $1Applicable income taxes
  • $360Income before extraordinary items
  • $0Extraordinary gains - net
  • $360Net income attributable to bank
  • $0Net charge-offs
  • $360Cash dividends
  • $16Sale, conversion, retirement of capital stock, net
  • $140Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.35%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 12.91%Return on equity (ROE)
  • 7.89%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 150.00%Credit loss provision to net charge-offs
  • 20.19%Efficiency ratio
  • 67,175Assets per employee
  • 4.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.89%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 123.90%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 1.17%Net loans and leases to deposits
  • 48.03%Net loans and leases to core deposits
  • 48.03%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 8.80%Tier 1 risk-based capital ratio
  • 17.05%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $30,203Average earning assets
  • $2,790Average equity
  • $28,074Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07879State Bank Of Saunemin59 North St, Saunemin, IL 61769June 01, 1911Full Service Brick and Mortar
    1227039Pontiac Branch901 East Howard Street, Pontiac, IL 61764March 18, 1996Full Service Brick and Mortar

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